New flood maps offer potential for cost savings

2017 FloodingYou may be able to save money on your homeowners insurance this year, thanks to new flood zone maps. FEMA has completed its update for the area generally located south of Corkscrew Road and east of U.S. 41; new maps became effective Dec. 7, 2018. Some properties may have been located within a flood plain on the previous maps but are no longer in the flood plain on the new maps. This could mean lower insurance rates.

How do you know if this applies to you? You will need to discuss that with your insurance provider. But first, you should learn your flood zone and map information. At any time, you can access flood map information about any property in the Village of Estero by going to:

You also may want to obtain a Flood Insurance Rate Map (FIRM) letter that will outline all the details, including flood zone and base flood elevation. Residents may contact the Village at (239) 221-5036, or stop by Village Hall at 9401 Corkscrew Palms Circle, to pick this up with your flood information pamphlet.

Incidentally, everyone lives in a flood zone. It’s just a question of whether you live in a high, moderate or low risk area. Be aware that the National Flood Insurance Program (NFIP) reports 20 percent of insurance claims are related to properties located in moderate-to-low risk areas. So, just because you aren’t required to purchase flood insurance, you may still opt to do so.


New pools llanai cages require a building permit


Thinking of making home improvements this year?

Great! You’ve decided to remodel your home, add a pool, build a lanai, repair the roof, or change out those ugly shutters. Do you need a permit for that? The answer is yes. All of those situations, and more, require that you first obtain a building permit from the Village of Estero. Below are some common examples of when building permits are needed.


Building Permits are required for:

  • Pools — above ground and in-ground
  • Additions to home
  • Air conditioners (new and replacement)
  • Doors (exterior)
  • Electrical
  • Fences
  • Garage Doors
  • Generators
  • Plumbing
  • PODS (storage)
  • Propane Tanks (above and below ground)
  • Remodel (interior and exterior)
  • Roof (new and repairs)
  • Screen enclosures (lanai cage)
  • Sheds
  • Shutters
  • Solar panels
  • Windows (new and replacement)

*This list is NOT all-inclusive. If you are uncertain if a repair or improvement needs a building permit, contact the Permit Office at (239) 221-5036 or by email at


Contact the Village

To receive the latest information about Village projects and community activities, go to the Village website and subscribe at